Personal loans in Long Beach, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Long Beach, MS.
The median household in Long Beach earns $70,332 a year, 25% above the Mississippi median of $56,447. About 12% of residents live below the federal poverty line, and 34.3% of households rent their home.
Mississippi law that applies in Long Beach
| Rate cap | Small loan licensees may choose: (1) tiered rates of 36% a year on the first $1,000, 33% on $1,000-$2,500, 24% on $2,500-$5,000 and 14% above $5,000 (or 18% on loans of $25,000+); or (2) for loans up to $5,330 (from July 1, 2026), up to 59% APR, repayable in… |
|---|---|
| License required | Yes. |
| Loan sizes covered | The 59% alternative-installment rate applies to loans up to $5,330 (CPI-adjusted each July 1; set at $5,100 by 2024 SB 2543). |
Full rules with statute citations: Personal Loans in Mississippi. Cities in Mississippi cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Long Beach
Most Long Beach applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Long Beach
What Long Beach borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Long Beach
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Long Beach
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Hancock Whitney Bank | 1 | 101 Jeff Davis Ave, Long Beach 39560 |
| The Peoples Bank, Biloxi, Mississippi | 1 | 298 Jeff Davis Ave, Long Beach 39560 |
| Renasant Bank | 1 | 198 Klondyke Rd, Long Beach 39560 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Long Beach
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Keesler | 524 Klondyke Rd, Long Beach 39560 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Harrison County · Payday Loans in Long Beach · Title Loans in Long Beach
Frequently asked questions
Can I get a personal loan with bad credit in Long Beach?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Long Beach. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Long Beach, MS?
Tiered 36%-14% APR; 59% to $5,330; credit availability 25%/month to $3,320.
How fast can I get a personal loan in Long Beach?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan in Long Beach with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Long Beach residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Long Beach residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Long Beach?
You can apply at local banks and lenders in Long Beach, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How long does it take to get a personal loan in Long Beach?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Long Beach.
Do I need to visit a store in Long Beach?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.